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Ghana PAYE and Take-Home Pay Calculator

The Ghana PAYE calculator estimates the income tax (PAYE), SSNIT contribution and take-home pay on a monthly salary, using the Ghana Revenue Authority's bands in force from 1 September 2026. Enter your basic salary and any taxable allowances, bonus, voluntary pension or approved reliefs, and it shows the tax band by band for the month or a year. It is a quick check for employees, employers and payroll staff, not an official GRA assessment.

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Ghana PAYE Calculator

Before deductions. SSNIT is worked out on this amount.

For example transport, rent or risk allowances paid in cash. Leave empty if none.

Taxed at 5% up to 15% of your annual basic salary; the rest is taxed with your pay.

Reduces your taxable income up to 16.5% of basic salary.

Tax residence
Reliefs granted by the GRA (optional)

Only include reliefs the Ghana Revenue Authority has approved for you. They apply to residents and are spread evenly over the year.

GHS 600 a year each, up to 3.

GHS 1,000 a year each, up to 2.

Show the result

An estimate, not an official GRA assessment.

Your figures are sent to our server only to calculate the result. They are not saved or shared.

How to use the Ghana PAYE Calculator

  1. 1 Enter the monthly basic salary and any taxable cash allowances.
  2. 2 Add a bonus paid this month, a voluntary Tier 3 pension percentage or GRA-approved reliefs if they apply to you.
  3. 3 Choose resident or non-resident, and whether to see the month or a year.
  4. 4 Press Calculate to see gross pay, SSNIT, chargeable income, the tax in each band and your take-home pay.
  5. 5 Print the result or save it as a PDF for your records.

What it does

  • The GRA's resident bands in force from 1 September 2026 (Act 1178), from 0% to 35%
  • SSNIT employee contribution of 5.5% of basic salary, up to the 2026 maximum insurable earnings
  • A band-by-band table showing how the PAYE is worked out
  • Bonus tax, voluntary Tier 3 pension relief and personal reliefs
  • Monthly or annual view, and the non-resident flat rate
  • Print or save as PDF; works without JavaScript

Useful for employees checking a payslip, employers budgeting for a new hire, payroll and HR staff and job seekers comparing offers.

Limitations

  • It is an estimate, not an official GRA assessment: your employer's payroll may round or treat some items differently.
  • Benefits in kind (such as a car, fuel or accommodation), overtime, tax-exempt allowances and disability relief are not included.
  • The annual view assumes every month is the same. It does not split 2026 between the bands used before 1 September 2026 and the new ones.
  • It assumes your employer pays no Tier 3 contribution for you, and treats a bonus you enter as the only bonus of the year.

How PAYE is worked out in Ghana

PAYE (Pay As You Earn) is the income tax your employer deducts from your pay each month and pays to the Ghana Revenue Authority (GRA). For a resident employee it is worked out in four steps:

  1. Add up taxable pay: basic salary plus taxable cash allowances, such as transport, rent or risk allowances.
  2. Take off what is deducted before tax: your SSNIT contribution of 5.5% of basic salary, any voluntary Tier 3 pension up to 16.5% of basic salary, and reliefs the GRA has approved for you. What is left is your chargeable income.
  3. Apply the bands: each slice of chargeable income is taxed at its own rate, from 0% on the first GHS 588 a month up to 35% on income above GHS 50,000 a month.
  4. Take-home pay is gross pay minus SSNIT, any Tier 3 contribution and the tax.

A worked example

TaxLawGH publishes this example under the bands in force from 1 September 2026. On a basic salary of GHS 10,000 with a taxable allowance of GHS 1,000, gross pay is GHS 11,000. SSNIT is 5.5% of GHS 10,000, which is GHS 550, so chargeable income is GHS 10,450. The tax is:

Slice of chargeable income Rate Tax (GHS)
First 588 0% 0.00
Next 80 5% 4.00
Next 100 10% 10.00
Next 2,900 17.5% 507.50
Remaining 6,782 25% 1,695.50
PAYE 2,217.00

Take-home pay is GHS 11,000 − 550 − 2,217 = GHS 8,233. The calculator gives the same figures; try it with those amounts.

Reading your result

  • Effective tax rate is your total tax as a share of gross pay. It is always lower than the rate of your top band, because the lower slices are taxed at lower rates.
  • Bonus tax: a bonus up to 15% of your annual basic salary is taxed at 5% on its own. Anything above that is added to the month’s pay and taxed at the band rates, which is why a large bonus can raise the month’s PAYE sharply.
  • Tier 3: contributions above 16.5% of basic salary still come out of your pay but no longer reduce your tax.
  • Employer SSNIT of 13% is shown for information. It is a cost to the employer, not a deduction from your pay.

The annual view multiplies the month by 12, which is what a year looks like if every month is the same. If you enter a bonus, the year counts it once. It is not a year-end tax return: in 2026 the months before September used different bands.

When your payslip differs

Payroll systems can round differently, and many payslips include items this calculator leaves out, such as benefits in kind, overtime, loan repayments or union dues. If your PAYE looks wrong, ask your employer’s payroll team first, then the GRA.

If you run payroll for a growing team, the custom software we build can keep staff records and pay calculations in one place. For other everyday business sums, see the eCommerce profit calculator and the invoice generator.

Frequently asked questions

What are the PAYE tax bands in Ghana from September 2026?

For resident employees the GRA's monthly bands from 1 September 2026 are: the first GHS 588 at 0%, the next GHS 80 at 5%, the next GHS 100 at 10%, the next GHS 2,900 at 17.5%, the next GHS 16,000 at 25%, the next GHS 30,332 at 30%, and income above GHS 50,000 a month at 35%. They come from the Income Tax (Amendment) Act, 2026 (Act 1178).

Is SSNIT deducted before PAYE?

Yes. The employee's mandatory contribution of 5.5% of basic salary is deducted before PAYE is calculated, so it reduces your taxable income. The employer pays a further 13% of basic salary, which is not taken from your pay.

How is a bonus taxed in Ghana?

The GRA taxes a resident employee's bonuses in a year at 5%, up to 15% of the annual basic salary. Any bonus above that limit is added to employment income and taxed at the graduated rates.

Do voluntary pension contributions reduce PAYE?

Contributions to a voluntary (Tier 3) pension or provident fund reduce chargeable income up to 16.5% of basic salary, counting employer and employee contributions together. Anything above that is taxable.

What PAYE rate do non-residents pay?

Non-resident employees pay a flat 25% on their employment income, without the graduated bands or personal reliefs.

Which tax reliefs can I claim?

The GRA grants reliefs such as marriage or responsibility relief (GHS 1,200 a year), child education relief (GHS 600 per child, up to three), aged dependant relief and old age relief. You apply to the GRA; they only reduce your PAYE once the GRA has approved them.

Sources

The figures in use apply from .

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